American BankAMBK 56 Net Margin % is 40.92% as of Dec. 2025, which is 4% above its 10-year median of 39.42. GuruFocus rates AMBK with a GF Score™ of 56/100 and a GF Value™ of $22.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, American Bank ranks better than 86.25% on this metric.
Net margin is calculated as Net Income divided by its Revenue. American Bank's Net Income for the
six
months ended in Dec. 2025 was $13.65 Mil. American Bank's Revenue for the
six
months ended in Dec. 2025 was $33.35 Mil. Therefore, American Bank's net margin for the quarter that ended in Dec. 2025 was 40.92%.
The historical rank and industry rank for American Bank's Net Margin % or its related term are showing as below:
AMBK'
s Net Margin % Range Over the Past 10 Years
Min: 26.92 Med: 39.42 Max: 43.72
Current: 40.92
AMBK's Net Margin % is ranked better than 86.25% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs AMBK: 40.92
American Bank (OTCPK:AMBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
American Bank Net Margin % Related Terms
American Bank Net Margin % Historical Data
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The historical data trend for American Bank's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, American Bank's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
American Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, American Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where American Bank's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
American Bank (AMBK) has a Net Margin % of 40.92% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on American Bank and its competitors. This is near median its historical median of 39.42. Over the past decade, American Bank's Net Margin % has ranged from 26.92 to 43.72. According to the industry distribution chart, American Bank ranks #210 out of 1527 companies in the Banks industry, placing it in the top 13.8%.
Is American Bank's Net Margin % too high?
American Bank's current Net Margin % of 40.92% is near median its 10-year median of 39.42. Over the past 10 years, this metric has ranged from a low of 26.92 to a high of 43.72. The Banks industry median Net Margin % is 26.95. American Bank's value of 40.92% is 51.8% above this industry median. Based on the distribution chart, American Bank ranks #210 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, American Bank has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does American Bank's Net Margin % compare to RVSB and JFBC?
According to the Banks industry distribution chart, American Bank ranks #210 out of 1527 companies for Net Margin %. This places American Bank in the top 14% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. American Bank's value of 40.92% is 51.8% above this benchmark. Historically, American Bank's own Net Margin % has ranged from 26.92 to 43.72 over the past decade. While the company's 10-year median is 39.42 vs. the industry median of 26.95, American Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Bank's current Net Margin % of 40.92% is 51.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on American Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Bank's current Net Margin % is 40.92%, which is near median its own 10-year median of 39.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Bank stock overvalued right now?
Based on GuruFocus' analysis, American Bank (AMBK) is currently considered Modestly Undervalued. The stock's GF Value™ is $22.69, compared to a current price of $18.38 — trading 19% below its estimated fair value. The current Net Margin % is 40.92%, which is near median its 10-year median of 39.42 and 51.8% above the Banks industry median of 26.95. American Bank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For American Bank (AMBK), the current Net Margin % is 40.92% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is American Bank (AMBK) Overvalued in 2026?
Based on GuruFocus' analysis, American Bank stock appears to be undervalued.
The current stock price of $18.38 is trading 19% below its estimated GF Value™ of $22.69.
GuruFocus considers American Bank to be Modestly Undervalued.
Key valuation signals for AMBK:
Net Margin %: 40.92% (near median its 10-year median of 39.42)
GF Value™: $22.69 vs. price of $18.38 (19% below fair value)
Industry Position: 51.8% above the Banks median (#210 of 1527)
No single metric tells the full story. See the AMBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
American Bank Inc is a United States-based holding company for American Bank. The bank offers deposit and loan products for consumers, businesses, public, institutional, and governmental customers, including interest-bearing checking, money market accounts, and retirement accounts. The company generates revenue from interest and dividend income on loans and investments.
56GF Score
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